Contact Us

Contact Us

IDEBT helps YOU take control of your life.
We put the power in YOUR hands to stop harassment from collection companies.we make your life just a little bit easier

How IDebt Works

Step 1

Complete the enrollment form found below.Enter the customer portal where you will provide additional information.

Step 1

Enter your first name, last name, email address and phone number in the form below. We ask for this so we can start your customer profile. This is what you will use to access iDebts services and will be how we assign any updates to your account as they happen. We are going to need a few more bits of information once you enroll, but to get started, you will need to enter these pieces of info below. You can edit and change any mistakes you might make at a later time.

Step 2

Browse the national registry of collection companies by name. Select the creditors that are contacting you.

Step 2

Once enrolled in our system, you will be given a chance to select from a list of collection agencies across the country. From large firms in big cities, to smaller ones that aren’t that common, we have them listed. If for some reason they aren’t, you can add them manually.

Step 3

Verify your selections for accuracy. Who is contacting you? What debts are outstanding?

Step 3

iDebt helps mail your form for you, it is your responsibility to verify the information is accurate and the letters read how you want them to.

Step 4

Click Submit to Process your Enrollment

Step 4

Once you ‘submit’ your information, the fun begins. We will make sure your correspondence is properly formatted, legible and contains the information you need it to in order to stop these calls.

Step 5

Submit Payment to complete your order

Step 5

After that, you will submit payment to our system to cover the costs of handling and mailing your letter. Your letter will physically be printed in our offices, put into appropriate envelopes and sent on the way. Tracking information will be posted into our system to let you know once your letter is received.

Step 6

Receive email confirmation of your enrollment

Step 6

You will receive a confirmation mail from us with a list of all of the letters you sent so you will know the process has begun. Remember, you are still responsible for your debt, iDebt simply helps you get nasty debt collectors to stop calling.

iDebt is the nation's first self-directed website for those facing constant and illegal harassment from debt collection agencies. We help you, our Clients, STOP the harassing calls from debt collectors, restoring peace in your life.

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What We Do

The FDCPA has a very targeted set of rules and regulations that govern debt collection practices and debt collection agencies. Unfortunately not all agencies adhere to these rules. That is where iDebt comes in. We take the guess work out of the process. Our company understands the rules and regulations in the FDCPA and we use these guidelines to stop these companies from using illegal tactics to collect money from you. Collection agencies are required to follow the guidelines in the FDCPA but not all do. They operate under the assumption that the average consumer does NOT know their rights under the law. The business of debt collection is very lucrative. The agencies are relentless in their attempt to separate you from your money. They begin quietly enough but over a period of time accelerate their efforts by contacting you at work, calling family members, friends, work associates and anyone else that may know you. They acquire this information from credit bureau data bases as well as other public and private records. They operate under the hope that you will be confused and embarrassed by these calls and you will pay the debt. iDebt to the rescue. iDebt follows a very specific course of action that compels debt collection agencies to 1) stop calling you or 2) comply with the FDCPA when trying to collect a debt.

If you are being harassed by a debt collection agency you only have a few options and limited time to respond.

You can:

Ignore them - not a good idea. You only have a limited amount of time to dispute a debt. After that, it is considered valid. This option can negatively affect your credit history and cause future problems.

Pay the debt. If the debt is yours to pay and you have the money; pay it. This is the responsible thing to do. If you don't have the entire amount, make arrangements with the provider to pay it over time but be sure to follow the payment schedule. A missed payment will start the calls all over again.

Dispute the debt. This is also a very valid option. Very soon iDebt will roll out the 2nd phase of our service that will provide you step by step instructions to dispute a debt that is not valid.

Hire a lawyer! If the debt is not valid, this is a very unnecessary, costly and unpleasant process. If the debt is valid, why spend the additional money on an attorney. Pay the debt.

Work with iDebt! It's a simple process. By providing some very basic information, iDebt will do the rest. We take the guesswork out of the process and provide you an easy and inexpensive way take back your life and quiet the ringing of the phone.

iDebt. Safe.Secure.Results

iDebt was founded by a family with over 50 years combined experience and strong ties to the banking and finance industry. From wholesale banking, to retail banking, to loss mitigation; they have experience with it all. iDebt was conceived out of a desire to help those who are unaware of their rights in regards to illegal collection agency practices and tactics.

iDebt follows very specific laws that are set forth in the FCRA. The laws specific to collection practices were enacted to protect consumers from illegal harassment and collection tactics.

What is involved after we enroll?

Once you have enrolled with iDebt, we take it from there. We handle the entire process with your selected collection agencies, from notification to confirmation. You simply wait for the calls to stop.

Fees?

You pay for the shipping and postage charges and a small per item fee per agency contacted. The more agencies contacted, the smaller the per item fee.

iDebt a Law firm?

iDebt is not a law firm. We cannot and we will not give any legal advice.

What happens if calls don't stop?

Based on the FCRA, there is recourse against companies that continue to contact you and violate the tenets of the FCRA.

Guarantees?

iDebt has no control over debt collection agencies. We guarantee that we will follow a specific course of action as determined in the FDCPA and provide you the documentation necessary if you choose to pursue legal action against the violators.

Are there any hidden fees?

No hidden fees. All costs are determined up front and no additional fees will be charged.

Is this legal?

Absolutely. iDebt was created out of a need to help the average consumer who is unwittingly harassed or duped by unscrupulous collection tactics. iDebt follows a course that is 100% in line with that allowed by law.